Equipment Breakdown / Machinery Breakdown Cover

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Protecting marine engines, onboard machinery, electronics & critical operating systems

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Marine, Vessel & Mechanical Breakdown Insurers

Specialist Cover for Marine Engines & Critical Machinery

  • ENGINE FAILURE

  • NAVIGATION ELECTRONICS

  • HYDRAULICS & WINCHES

  • ONBOARD SYSTEMS

Why Equipment Breakdown Insurance Matters

Commercial vessels depend on reliable engines, machinery, hydraulics and electronic systems. A mechanical or electrical failure can put vessels out of operation, interrupt fishing schedules, delay cargo or compromise safety at sea.

This insurance covers repair, replacement and associated costs - ensuring operations recover quickly from unexpected breakdowns.

What Equipment Breakdown Insurance Covers

Specialist cover designed for fishing vessels, marine workboats, commercial fleet operators and offshore vessels.

  • Main engine breakdown - mechanical or electrical failure
  • Gearbox, shafts & propulsion system failures
  • Hydraulic system damage (winches, cranes, pot haulers)
  • Generator breakdown & electrical system faults
  • Fuel system contamination or failure
  • Navigation electronics breakdown (GPS, sonar, radar)
  • Onboard refrigeration & storage system failure
  • Cover for sudden, unforeseen breakdowns
  • Optional: Breakdown causing catch spoilage
  • Optional: Loss of revenue / downtime cover
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Common Causes of Marine Equipment Breakdown

  • Wear and tear causing mechanical failure
  • Saltwater corrosion affecting engines and electronics
  • Overloading of hydraulic systems
  • Electrical surges or wiring faults
  • Fuel contamination or blockages
  • Overheating of generators or propulsion units
  • Accidental damage to onboard equipment
  • Cooling system failures
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Why Marine Operators Choose Insure24

  • Specialist marine & mechanical breakdown insurers
  • Tailored cover for workboats, fishing vessels & fleet operators
  • Fast response to breakdown claims at sea or in port
  • Competitive pricing and flexible limits
  • Knowledgeable team supporting commercial marine operators
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“A gearbox failure could have cost us a full season. Insure24 arranged breakdown cover that paid out fast and kept us operational.”

Craig D., Offshore Vessel Operator

FREQUENTLY ASKED QUESTIONS

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Does this cover sudden mechanical breakdown?

Yes - sudden and unforeseen breakdowns to engines, gearboxes, hydraulics and electrical systems can be covered.

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Does this include navigation electronics?

Yes - GPS, radar, sonar, depth sounders and other navigation systems may be insured.

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Does it cover wear and tear?

No - standard exclusions apply, but failure caused by sudden internal damage can still be covered.

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Can it include loss of income?

Yes - optional downtime or loss of revenue cover can be added for commercial operators.

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Is breakdown during fishing operations covered?

Yes - breakdown occurring during active fishing or commercial use can be included depending on policy terms.

Related Covers

Continue with related marine-equipment pages on all-risks damage, electronics, downtime, hired plant and the difference between breakdown and wear-and-tear exclusions.

Damage & Failure

Operational Continuity

Policy Wording